Getting excited about that hol you’ve just booked? Good, we bet you are! But amongst all that prep and packing, it’s easy to let insurance become a bit of an afterthought. And while we know it’s not exactly the most exciting part of your holiday, it could well be the most important – so it’s good to make sure you get it right.
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Cruise Insurance Made Easy
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If you’ve struggled with knowing what your previous policies cover – or just hoped for the best and not bothered with insurance at all – then this guide is for you. To help you out, we’ll run through everything you need to know about travel insurance for cruises before you set sail.
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Why is travel insurance important?
When it comes to cruise holidays, your peace of mind is key. You’re handing over your hard-earned money after all, and if anything is to go wrong with the holiday, you’ll want to know you’re in safe hands.
And though we wished there wasn’t, there are plenty of things that can happen before or during your travels – from delayed and cancelled flights to illnesses occurring while you’re abroad.
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Cruise insurance is what covers you against these kinds of holiday mishaps. That’s good news, because whether it’s something small like a missed connection or something big like a pricey medical emergency, the last thing you want is a hiccup of any size spoiling your time away.
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Does normal travel insurance cover cruises?
“Should I buy travel insurance for a cruise?” Our answer is always a resounding yes, but don’t simply buy a standard travel policy thinking it will cover your trip.
That’s because normal travel insurance doesn’t necessarily cover cruises, even for medical emergencies, cancellations, or baggage issues. You might find travel insurance plans that cover certain things, but you’ll struggle to find something that covers everything.
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Basically, you’ll want to look out for any small print along the lines of “this policy will not cover you for any loss, damage, cost or expense directly or indirectly caused by any trip on sea-going cruise ships”.
Your best bet is, of course, to go with cruise-specific cover. In fact, with some lines, you might find you can’t cruise unless you have cruise cover – and may be denied boarding if this is the case.
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What does cruise insurance cover?
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Missed port departure
Missed port departure
Should a flight be delayed long enough for you to miss embarkation, this covers the cost of your travel to the next port on the itinerary.
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Itinerary changes
Itinerary changes
Should the weather or any technical problems cause a port or specific itinerary event to be missed, you’ll be entitled to compensation as a result.
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Missed excursion cover
Missed excursion cover
Should you or anyone in your party miss a pre-booked excursion because of illness or a change of itinerary, the cost can be claimed if no refund is available.
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Cabin confinement
Cabin confinement
If you fall ill and miss part of your holiday, this covers a compensation payment for ‘loss of enjoyment’.
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Increased baggage and personal belongings cover
Increased baggage and personal belongings cover
If you’re taking your best clothes and expensive attire for your cruise’s formal dining, or you have an expensive camera or device in tow, this policy item covers you against personal loss.
Which providers offer cruise insurance?
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Helpful tips for buying cruise insurance
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